Call reports 2010
F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA — 2010
What F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 85,455,000 | 79,300,000 | 78,772,000 | 75,081,000 |
| Total loans | 51,949,000 | 48,260,000 | 49,164,000 | 49,042,000 |
| Allowance for loan losses | 1,075,000 | 1,059,000 | 1,062,000 | 1,047,000 |
| Securities available for sale | 12,315,000 | 14,396,000 | 16,204,000 | 15,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,663,000 | 71,264,000 | 70,816,000 | 67,178,000 |
| Interest-bearing deposits | 56,663,000 | 49,451,000 | 48,225,000 | 43,714,000 |
| Noninterest-bearing deposits | 21,000,000 | 21,814,000 | 22,591,000 | 23,464,000 |
| Equity capital | 6,986,000 | 7,147,000 | 7,053,000 | 7,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 919,000 | 1,789,000 | 2,621,000 | 3,437,000 |
| Interest expense | 144,000 | 278,000 | 393,000 | 481,000 |
| Net interest income | 775,000 | 1,511,000 | 2,228,000 | 2,956,000 |
| Noninterest income | 185,000 | 320,000 | 236,000 | 395,000 |
| Noninterest expense | 719,000 | 1,480,000 | 2,222,000 | 2,889,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 200,000 |
| Pretax income | 191,000 | 301,000 | 192,000 | 262,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 191,000 | 301,000 | 192,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,925,000 | 7,035,000 | 6,926,000 | 6,997,000 |
| Total capital | 7,697,000 | 7,754,000 | 7,623,000 | 7,665,000 |
| Risk-weighted assets | 61,374,000 | 57,130,000 | 55,332,000 | 52,979,000 |